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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.84 (802 reviews)

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3.84

Based on 802 reviews, last reviewed 12th Feb 2026

200% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

63%

11%

20%

Latest highest rating:

5

Easy to use app. Easy to use app. But shame about delays on updates. Reviewed on: 22nd January 2026

Latest lowest rating:

1

Very disappointing experience with Virgin Money. Very disappointing experience with Virgin Money. I applied for this credit card specifically because of the advertised 30 months 0% balance transfer o... Read more Reviewed on: 12th February 2026

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About this product

Virgin Money offers a range of credit cards with various features to suit different needs.

Options include cards with 0% interest on balance transfers and purchases for an introductory period, cashback, and no foreign transaction fees. The cards can be managed through the Virgin Money Credit Card app.

Virgin Money credit card reviews help you find out what it’s really like to be a customer. If you’ve used Virgin Money before, you can also leave a review and share your experience.

Virgin Money Credit cards reviews (802)

Review of the Virgin Money, Credit cards:

Trying to resolve an issue...

I have been trying to resolve an issue with Virgin Money since the 25th November, and due to misinformation has now landed me in quite an awful situation, subsequently I'm now being penalised for their mistakes, which if the correct information was provided in the first instance the issue would have been resolved. First line customer services are inexperienced, have a lack of knowledge of most things it seems, poor phone etiquette and a general sense that they just don't care. I have spent so much time on hold from my initial calls, through to being COLD transferred on numerous occasions to the incorrect department, requiring me to reiterate the reason for my call. The mistake they caused will apparently take up to 8 weeks through their complaints team to resolve... which then puts me in a very precarious financial situation due to the circumstances I've been placed in, which being a mistake on their part, this should be looked at as a priority! Severely disappointed with the service offered from all accounts, and certainly will not be using their services again once this issue is finally resolved IF it get's resolved, because from my experience so far, I am not confident. I'd would urge anyone to seriously rethink their options before considering Virgin Money, any mistakes they make, you will almost certainly be penalised for! Reviewed on: 13th December 2021

just outstanding

very satisfied with a great service team Reviewed on: 29th April 2019

Good benefits bad interest

Very high interest but great benefits and flying club memberships. Customer service is good Reviewed on: 23rd April 2019

Easy online platform

I received and excellent incentive, a nicely designed card and easy to use app to manage my account. Reviewed on: 17th April 2019

Disappointed

They sent me a reminder email to pay my credit card after they had charged me £8.00 for late payment Reviewed on: 15th April 2019

Reply from Virgin Money Hi Andrew, if you'd like us to look into this further please email your details over to [email protected] and I'd be happy to. Thanks, Lindsay Response date: 16th April 2019

Virgin Atlantic Card

Great for increasing your points Reviewed on: 15th April 2019

great rates!

long 0% period and cash transfer. Easy to apply. Reviewed on: 15th April 2019

Virgin Money Credit Cards

Easy website very clear and informative. Products easy to understand and easy to apply for. Know whether you will be approved before you apply. Winner Reviewed on: 10th February 2019

No smartphone app, tedious and time consuming account login

Unfortunately, Virgin is the only card provider I use which hasn’t developed a native smartphone app. In addition, the web login is cumbersome and time consuming, as it requires the user to go through lots of hoops and loops without the option to save and auto-fill the login credentials. It’s a pity, really, as otherwise it is a good service. Reviewed on: 10th February 2019

Reply from Virgin Money Hi Alex, thanks for getting in touch. We don't offer an app at the moment but it is something we're currently working on. We'll be sure to let our customers know as soon as there's an update! Thanks, Jane Response date: 11th February 2019

Lies

Terrible service just reduces your credit limit with no warning just when I was going to book holiday for me and my wife who is dienosed with bowl cancer it just turned our words up side down Reviewed on: 8th February 2019

Reply from Virgin Money Hi John, thanks for getting in touch. So I can take a look at this for you, can you email your details to [email protected]? Thanks, Jane Response date: 8th February 2019

Easy to use online, great monthly prizes

So early to log in and manage, super easy to set up, lots of great prizes monthly. From otherwise fantastic customer service I did once have a very annoying call about the credit limit i was granted with a particularly condesending support agent, but one person does not define the company and otherwise it's been a totally smooth experience. Reviewed on: 7th February 2019

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